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Estate Planning
2026 Federal Exemption
$15M
Exemption Status
Permanent
Max Estate Tax Rate
40%

Your Legacy, Protected.

Estate planning is not a conversation about death — it is a conversation about intention. About ensuring that everything you have built reaches the people and causes you care about most, on your terms.

Federal Estate Tax Exemption (2026)
$15M
Per individual — $30M for married couples using portability. Permanent and inflation-indexed.
2026 Annual Gift Exclusion
$19K
Per recipient, per year — gifts below this amount do not reduce your lifetime exemption
Maximum Federal Estate Tax Rate
40%
Applied to taxable estate above the exemption threshold
The Four Pillars

What a strong
estate plan
actually covers

A complete estate plan is built on four interconnected foundations. Miss one and the whole structure is exposed. Together, they ensure your wishes are carried out without conflict, delay, or unnecessary taxation.

01
Inventory
A clear, current inventory of your accounts, titled assets, insurance policies, and digital assets prevents delays and ensures nothing is overlooked during estate settlement.
02
Continuity
Durable powers of attorney and healthcare directives protect your ability to have decisions made on your behalf if you become incapacitated.
03
Liquidity
Estate taxes, final expenses, and family needs require immediate cash.
04
Governance
Trusts, trustees, and family governance structures ensure clarity about roles and decision-making.
Core Documents

Four documents
every plan requires

01
Last Will & Testament
Foundation
Your will directs how your assets are distributed and names guardians for minor children.
02
Revocable Living Trust
Privacy & Probate Avoidance
A revocable trust holds assets during your lifetime and transfers them to beneficiaries without probate — privately, faster, and without court involvement.
03
Durable Power of Attorney
Incapacity Planning
A POA authorizes a trusted person to manage your financial affairs if you are unable to.
04
Healthcare Directives
Medical Decision-Making
A healthcare POA and living will document your medical wishes and designate who can make healthcare decisions on your behalf.
Work With Us

Build your
legacy
plan today.

Estate planning done well is one of the most meaningful things you can do for the people you love. A complimentary consultation is the first step.

Schedule a Consultation
Phone
(419) 887-1002
Email
Matthew.Pindoley@osaicwealth.com
Consultations
Complimentary, no pressure
Availability
Mon – Fri, 9am – 5pm
Disclosures